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Side-by-side

Delta SkyMiles Blue Business American Express Card vs Bilt Blue

Both are well-respected travel cards. The Delta SkyMiles Blue Business American Express Card comes from American Express at $0/yr; the Bilt Blue from Bilt / Cardless at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureDelta SkyMiles Blue Business American Express CardBilt Blue
Annual fee$0$0
Sign-up bonus10,000 Delta SkyMiles$100 Bilt Cash
Bonus value (est.)$110$100
Min spend to unlock bonus$1,000 in 6 mo$0 in 0 mo
IssuerAmerican ExpressBilt / Cardless
Card categorybusinesstravel
Best earning category (Delta)2x1x
Transfer partnersdelta-skymilesbilt
Headline benefits
  • $0 annual fee
  • 2X Delta + 2X restaurants
  • 20% off Delta in-flight
  • No foreign transaction fees
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
Read the full review
Delta SkyMiles Blue Business American Express Card
$0/yr · 10,000 Delta SkyMiles
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash

Editorial take: Delta SkyMiles Blue Business American Express Card

The $0 annual fee Delta business card. Holds the SkyMiles relationship alive at zero cost and earns 2X on Delta + restaurants. For business owners flying Delta even occasionally, the $150 Gold Business's first-bag-free and 2X shipping/advertising categories usually justify the upgrade.

Editorial take: Bilt Blue

The no-fee entry tier of Bilt 2.0, launched February 7, 2026 by Cardless. Flat 1x earn (no bonus categories — those live on Obsidian and Palladium). Best for renters who want the no-fee anchor + full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day still doubles everyday earn on the 1st.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Blue Business American Express Card or Bilt Blue?
The Delta SkyMiles Blue Business American Express Card has the bigger bonus, 10,000 Delta SkyMiles, worth roughly $110, versus $100 Bilt Cash (~$100) on the Bilt Blue.
Is the Delta SkyMiles Blue Business American Express Card's $0 annual fee worth it compared to the Bilt Blue?
The Delta SkyMiles Blue Business American Express Card has no annual fee, so the question is whether the Bilt Blue's $0 fee is justified by its perks. If you'll use enough of the Bilt Blue's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Delta SkyMiles Blue Business American Express Card.
Can I have both the Delta SkyMiles Blue Business American Express Card and Bilt Blue?
Yes, since they're from different issuers (American Express and Bilt / Cardless) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Delta SkyMiles Blue Business American Express Card or the Bilt Blue first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Blue Business American Express Card: $1,000 spend in 6 months. Bilt Blue: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.